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Chase; Rachel Mendelson/Insider
- The
Ink Business Unlimited® Credit Card andInk Business Cash® Credit Card are offering extraordinary new limited-time welcome bonuses ofInk Business Cash® Credit Card . - These bonuses will disappear soon. We do not yet know the value of the new bonuses.
- Despite being framed as cash-back credit cards, the
Ink Business Unlimited® Credit Card and theInk Business Cash® Credit Card actually earn valuable Chase Ultimate Rewards points. - Check out Insider’s guide to the best cash-back business cards.
Both the
Soon these current bonuses will expire. We don’t know what they will be, but the previous offer was $750 after spending $7,500 on purchases within the first three months of account opening.
Before applying for either one of the cards, analyze your monthly expenses and make sure it’s in your budget.
Otherwise, if you’ve previously contemplated opening the
Here’s how to get the most value out of the elevated bonus offers on the
We’re focused here on the rewards and perks that come with each card. These cards won’t be worth it if you’re paying interest or late fees. When using a credit card, it’s important to pay your balance in full each month, make payments on time, and only spend what you can afford to pay.
Incredible $900 Chase Ink Unlimited and Chase Ink Cash bonuses ending soon
The
You can redeem those points for cash back, travel booked through Chase, or gift cards at a rate of 1 cent each, which is a good deal already. However, there’s a way to get more from your rewards if you also have an annual-fee Chase credit card, like the
When you transfer points from your
That’s typically the most valuable way to redeem Chase Ultimate Rewards points (worth an average of 1.8 cents each, based on Insider’s valuation of Chase points), making this 90,000-point bonus potentially worth
Keep in mind that the actual value of your points will vary based on where and when you travel, as well as which transfer partner you choose.
If you’re not interested in using your bonus to travel, you can still get good value (1 cent per point) when redeeming Chase Ultimate Reward points as cash back, statement credits, direct deposits, gift cards, and Apple products through Ultimate Rewards.
You’ll get the least amount of value for your points when you redeem for purchases on Amazon or PayPal (0.8 cents per point). This is a poor return considering your other redemption options.
What Chase Ink Business card is right for you?
The
However, how they earn rewards is completely different. Finding the best Ink Business card for your business depends on how you spend. The
The
- 5% back (5x points) at office supply stores and on internet, cable, and phone services up to the first $25,000 spent in combined purchases each account anniversary year (then 1%)
- 2% back (2x points) at gas stations and restaurants on the first $25,000 spent in combined purchases each account anniversary year (then 1%)
- 1% cash back (1x points) on all other purchases
On the other hand, if you’d prefer to earn straightforward rewards on all purchases with no category restrictions, then you should consider the
Chase Ink Cash vs Ink Unlimited: Side-by-side comparison
If you’re having trouble deciding between the Chase Ink cards, be sure to check out our comparison of the Chase Ink Business Cash and Ink Business Unlimited for a closer look at each card’s features and benefits.
Here’s a side-by-side comparison to help you narrow down your best option:
| Annual fee | ||
| Welcome bonus offer | ||
| Rewards rate | 5% cash back (5x points) at office supply stores and on internet, cable, and phone services*** 2% cash back (2x points) at gas stations and restaurants*** 1% cash back (1x points) on all other purchases | 1.5% cash back (1.5x points) on all eligible purchases with no cap |
| Card benefits | Primary car rental insurance (when renting for business purposes) Extended warranty Purchase protection Travel and emergency assistance services Roadside dispatch | Primary car rental insurance (when renting for business purposes) Extended warranty Purchase protection Travel and emergency assistance services Roadside dispatch |
| Review | Chase Ink Business Unlimited card review |
Don’t forget about Chase’s annual-fee Ink card, the
Who is eligible for the Chase Ink Business cards?
Before you apply for any credit card, it’s important to familiarize yourself with any application rules that could affect your chances of approval. For example, some people might not consider the Chase Ink offers because they don’t run a business full-time — without realizing that even part-time businesses or freelancers may qualify for a small-business credit card.
However, Chase cards, including the
The good news is these cards won’t add to your 5/24 total — meaning Chase won’t count them toward your five-card limit in the past 24 months. That’s why if you’re just starting with credit cards, it’s a good strategy to apply for Chase cards (particularly Chase business cards) first.